Regent Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Other borrowed money: 113.3% higher than in Q1 2026, at $68.4M. Regent Bank ranks 26th of 169 Oklahoma banks on loan-to-deposit ratio, in the upper half at 96.48% (Q2 2026). Regent Bank reported 96.48% on loan-to-deposit ratio for Q2 2026, 8.28 points above the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $84.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $279.2M |
| Fed funds sold and reverse repos | $265K |
| Fed funds sold and reverse repos to assets | 0.01% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $68.4M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.05% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 96.48% |
| Net loans and leases to deposits | 95.32% |
| Loans and leases to core deposits | 102.97% |
| Core deposits to total deposits | 70.98% |
| Brokered deposits to total deposits | 22.72% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 111.24% | 88.51% | $0 | $226.1M |
| Q4 2023 | 89.77% | 76.59% | $0 | $40.1M |
| Q1 2024 | 84.64% | 75.80% | $0 | $35.1M |
| Q2 2024 | 90.31% | 74.17% | $0 | $888K |
| Q3 2024 | 88.76% | 74.49% | $0 | $877K |
| Q4 2024 | 91.64% | 73.60% | $0 | $865K |
| Q1 2025 | 94.82% | 74.72% | $0 | $58.9M |
| Q2 2025 | 93.55% | 71.51% | $0 | $72.4M |
| Q3 2025 | 100.45% | 71.86% | $0 | $134.8M |
| Q4 2025 | 96.26% | 71.08% | $0 | $25.4M |
| Q1 2026 | 93.99% | 70.90% | $0 | $32.1M |
| Q2 2026 | 96.48% | 70.98% | $0 | $68.4M |
Regent Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Regent Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Regent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4160) · FFIEC NIC profile (RSSD 309655)